The head of the prudential regulator APRA testifies at the Banking Royal Commission

From <https://www.youtube.com/watch?v=nf_Lk_GjOQk>

Misconduct:  48:00

Chicken and Egg Problem: 50:00

Culture/ remuneration Structure: 51:00

=====Ex: Universal Life, 1980's, people will be forced to sell it.